Property Atlas

County hazard profile

Stark, ND

North Dakota · pop. 33,613 · FIPS 38089

Very Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$14M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Stark $14M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 37.34/100
national median ~50 lower than most counties (37th percentile)
Social vulnerabilityVery Low 15.81/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 63.61/100
national median ~50 near the national middle (64th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Stark

The National Flood Insurance Program has paid 30 flood-insurance claims totaling $92K in Stark since 1978. The costliest year was 2011 ($46K paid).

Flood-insurance dollars paid by year of loss

1978: $8,222 paid 1982: $2,815 paid 1983: $0 paid 1986: $690 paid 1994: $0 paid 1995: $5,118 paid 1996: $0 paid 1997: $0 paid 1998: $0 paid 2001: $0 paid 2003: $0 paid 2009: $3,628 paid 2010: $1,024 paid 2011: $45,629 paid 2013: $0 paid 2014: $6,305 paid 2019: $9,706 paid 2025: $8,709 paid 2011 · $46K 1978 2025
$92K
total paid
$3,062
average claim
$46K
largest single claim
53%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Stark, ND and where it ranks among U.S. counties. It is not a verdict on whether Stark is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.